How it worksFive steps
Five Steps One Advisor the Whole Way
We work with a wide range of lenders and funders to find the best funding solution for your business. Here's exactly what happens, from your first question to funds in your account.
Process5 steps
What Happens, and When
Typical timing for each step; actual timing varies and depends on approval. Your advisor gives you a realistic timeline on your first call.3
01Apply
Tell Us About Your Business
A short application: about two minutes for the required questions.
About 2 min
Application
- Business details(Done)
- Owner details(Done)
- Funding request(Done)
- Submit application(In progress)
Illustrative example.
02Review
Share Statements, Talk It Through
Send recent bank statements. Your advisor reviews your file and calls with any questions.
Same day
Review
- Bank statements uploaded(Done)
- Advisor review(Done)
- Call with your advisor(In progress)
Illustrative example.
03Matched
We Match You with Lenders and Funders
We shop your file across a wide range of lenders and funders and bring you their offers, with the amount, total cost and payment schedule in writing. No obligation.
Within 24 hours
Offers
- Lenders and funders matched(Done)
- Funding amount(Done)
- Total cost(Done)
- Your choice(Pending)
Illustrative example.
04Agreement
Review Your Agreement
Read the agreement from the lender or funder you choose and the disclosure your state requires, and ask your advisor anything before you sign.
Agreement
- Lender agreement(Done)
- State disclosure(Done)
- Questions answered(Done)
- Ready to sign(In progress)
Illustrative example.
05Funded
Sign and Receive Funds
Sign electronically. The lender or funder sends funds by ACH to your business account, subject to approval.
As soon as same day, subject to approval
Funding
- Signed electronically(Done)
- ACH sent(Done)
- Funded(Complete)
Illustrative example.
Before you apply
What We Look at, and What You'll Need
What We Look At
- Time in business1+ year
- Average monthly deposits$20,000+
- A U.S.-based business with a business checking account
- Any business financing you already have
- Credit history, as one factor among several500+
What You'll Need
- Last 4 months of business bank statements
- Driver's license or other government ID
- A voided business check
- For larger requests: a recent business tax return or financial statements
Requirements vary by product and are reviewed case by case. Meeting them doesn't guarantee approval.
Questions, Answered
After approval and signing, funds can arrive as soon as same day. Funding is subject to approval and timing varies: after you apply, an advisor reviews your request and shops it across lenders and funders. If there's a fit, you receive an offer with a written disclosure. Timing depends on how quickly we receive your documents and on the lender or funder.
Booking a call or starting an application on this site doesn't involve a credit check. Our initial review uses a soft inquiry that doesn't affect your credit score. If you move forward with an offer, the lender or funder may obtain a report that results in a hard inquiry, and we'll tell you first.